PEMCO Car Insurance Reviews

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

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The PEMCO insurance company is a Washington based insurer serving consumers in the state of Washington and is widely respected by policyholders and insurance companies nationwide.

PEMCO is an acronym for the Public Employees Mutual Insurance Company and was started in 1949 by a Seattle math teacher named Robert J. Handy by selling $400,000 in bonds to fellow teachers. Today PEMCO is one of the most trusted names for insurance by Washington residents.

PEMCO Car Insurance Reviews

Very few car insurance companies have such a loyalty following that PEMCO has and their market share is admired (and envied) by many of the national brands. Although just a regional provider this company is a prime example of an insurer who focuses on a single market but excels in almost everything they do. Many features of PEMCO customer service include online account management, competitive rates, a toll free number and fast claims handling. The company also puts 5% of pre-tax profits to local Washington charities.

PEMCO Car Insurance Discounts

PEMCO may be a small company in comparison to Allstate or State Farm however with over 500,000 policyholders their market share in the State of Washington is something to admire. In addition to competitive rates and superior customer service the company offers many types of car insurance discounts including:

Multi-Policy Discounts (Auto Plus Discount)

Policyholders can save up to 9% on car insurance premiums by having multiple policies

New Customer Discount

New customers enjoy a discount for the first two years if they have a prior good driving record for 3 years.

Safe Driver Discount

Every year you maintain a good driving record a discount will be added to your policy (for up to 10 years)

Take the Bus and Save!

For drivers who only commute by car 2 days or less per week the company offers what is called the “Alternative Commuting Discount” that can save up to 5% on policy premiums.

PEMCO also offers multi-vehicle discounts, anti-theft and vehicle safety discounts, good student discounts and many more ways for drivers to save money on car insurance premiums. The number of car insurance discounts offered to policyholders are in-line with almost every national brand.

PEMCO Payment Options

Policyholders have a number of payment options available including monthly payments for most policies. They also accept credit card payments which can help a lot of drivers take advantage of reward credit cards, earning miles or cash back by paying car insurance premiums with a credit card.

How much are PEMCO car insurance rates?

500,000 drivers find PEMCO to be the car insurance company of choice in Washington State so you can bet their car insurance rates are very competitive. The exact rates will depend on your unique risk profile but the main factors used to calculate your car insurance rates include:

  • Driving record
  • How the Vehicle will be used
  • Where you live
  • Type of Vehicle insured
  • Your Gender and Age
  • What discounts you are eligible for
  • and the Type of coverage you need

Car insurance comparison is important to finding the best rates for your profile and the PEMCO auto insurance company is a solid name to have on your comparison list while shopping for auto insurance coverage.

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